Monthly Archives: October 2019

Health and Dental Insurance Quotes – Applying Online

Since 2001, large health and dental insurance companies such as BlueCross and GE Financial have offered health insurance online. As a result, individuals and small business owners have more options when purchasing insurance. Consumers can access quotes for premiums and coverage plans to find the most affordable package for their needs.

Determine Your Needs

Health and dental insurance is not just about finding the lowest premiums. You also need to factor in the costs of co-pays, deductibles, and maximum benefits. Determine how often you see a doctor and how much you can afford to pay in medical expenses. Too little coverage can set you back financially if you have an unexpected hospital bill, so make sure you have enough coverage to protect yourself.

You should also be aware that pre-existing conditions are not typically covered for the first 12 months of the health or dental insurance policy. This is common whether you receive coverage from an employer or purchase it yourself.

Start Getting Quotes

Online health and dental companies are dominated by traditional insurance companies, not shady entities. These traditional insurance companies use the internet to allow you to research their financial records, terms and conditions, and customer service practices. The internet has also increased competition between providers, resulting in more affordable options for individuals and small business owners.

Comparing Quotes

When you request a quote online for health or dental insurance, the company will give you a “base” rate quote, what an average consumer will pay in your area with average health conditions. The more information you provide, the more realistic the quote will be. “Base” quotes allow you to quickly compare plans and prices, without having to submit answers to a tedious amount of questions.

The Official Quote

To get an official quote, you will need to fill out an application with an insurance company. Typically an insurance company will require access to your health records, submitting to a medical exam, and providing answers to a detailed questionnaire. The insurance company uses the information to determine your risk to give you an official quote.

Once you have an official insurance quote, the paperwork is practically finished so you can quickly have health and dental insurance. The entire process can take up about four weeks.

Must-Have Health and Fitness Smartphone Apps

Health and exercise gurus who have weak knees for technology have reason to rejoice! These days it seems there is a smartphone app for just about everything, including personally training, dieting, and tracking medical records.

We have done the research and found the best health care apps for your iPhone, BlackBerry, or Android. These apps make exercising fun, calorie counting easier, and medical research a snap.

Workout Apps

The iPump series for iPhone is a set of five apps designed to make pilates, yoga, stretches, abs and core exercises, and cardio workouts easy. Complete with pictures and step-by-step workout directions, these apps also make it easy to track workouts.

Blackberry’s iFitness app has pictures and instructions of more than 230 exercises that target different areas of the body. The app also has features for logging workouts, creating custom workouts, and setting goals.

GymTechnik for Android is an excellent app that takes users through workouts, uses checklists, keeps statistics to help with goal setting, and so much more!

Exercise Tracking and Goal Setting Apps

iPhone lovers looking for an easy way to track their workouts and set goals need look no further than Pocket Coach . This extremely robust and pleasing-to-the-eye app has daily exercises, a goal calendar, accountability reports, push notifications, and even a suggested reading section.

The Total Fitness app for the BlackBerry is the perfect way to meet exercise goals, track fitness progress with graphs, view reports, see exercise animations and instructions, and even track nutrition.

Android users should download the WorkItOut app so they can start logging workouts, scheduling routines, and see their progress.

Running Apps

LogYourRun is an app that routes runs, complete with maps and elevation. It also has the ability to upload workout information to the company’s website to present running information as graphs. Users can share their running data on Facebook and Twitter and can even have updates automatically sent to Twitter while they are running. The app also features training programs, a heart rate counter, and playlist options.

For BlackBerry and Android fans, SportyPal is the king of running apps. Users of this app can view their workout on a map, set goals, share their progress on Facebook and Twitter, see their progress on graphs, and more. This feature-packed app can also be used for walking, biking, and even rollerblading.

Nutrition Tracking Apps

With the amazing, and almost unbelievable, app called FoodScanner users can actually use the camera on their iPhone to scan UPC codes on foods to get nutritional information about foods. They can also track their caloric intake, sync with the company’s website for more features, and keep a list of favorite foods for quick access.

BlackBerry users can use Calorie Counter to find nutritional information on foods, keep a dietary journal, track daily activity to see burned calories, and keep track of what they are eating.

Calorie Counter for Google Android is a great app for finding nutritional values of foods by searching by food name, restaurant name, grocery store name, and even restaurant name. Like the iPhone app, this app also lets users scan UPC barcodes with the camera on their phone and find nutritional information quickly.

First Aid Apps

iPhone users can have peace of mind when they download Pocket First Aid & CPR from the American Heart Association . This app has instructions for emergency procedures, first aid checklists, and so much more.

The Complete Home First Aid Course app for the BlackBerry prepares users and trains them in how to handle poison cases, heart attacks, wounds, bites, shock, how to perform CPR, and that’s just scratching the surface.

The First Aid app for Android does much the same thing and includes videos, illustrated instructions, and a place to store emergency numbers.

Medical History Apps

Imagine sitting in the doctor’s office and having your medical history right your fingertips. The Family Care app for iPhone makes that possible. The app organizes medical history, immunizations, personal information like height and weight, blood pressure, allergies, prescriptions, insurance information and so much more, all by family member.

BlackBerry users can download the My Family app and keep track of virtually the same information, so their doctor’s visits can go smoothly and be effective. Users can enter information including medical conditions, personal information, medications, immunizations, allergies, and more.

The motionPHR Health Record Manager is perfect for Android users looking for a way to keep their medial history, conditions, family history, immunizations, and more handy and easily accessible.

Medical Resources

The WebMD Mobile iPhone app is the ultimate go-to resource for medical issues. Users can research symptoms, cheek for possible drug interactions, and get instructions for first aid procedures.

BlackBerry users can use Medscape to research drugs and possible interactions and supplements. The app also provides medical news.

Skyscape is an excellent resource for Android fans looking for a way to find medical information. The app includes information on drugs and medicines as well as a medical calculator.

The medical field is constantly evolving and becoming more and more advanced as technology pushes the industry to new levels and patients have more information right at their fingertips.

Carcinogen: Environmental Exposures From Modern Life Styles And Medical Sources

“Though overall cancer incidence and mortality have continued to decline in recent years, the disease continues to devastate the lives of far too many Americans. In 2009 alone, approximately 1.5 million American Men, Women and children were diagnosed with cancer, and 562,000 died from the disease. With the growing body of evidence linking environmental exposures to cancer, the public is becoming increasingly aware of the unacceptable burden of cancer resulting from environmental and occupational exposures that could have been prevented through appropriate national action” Excerpt from a letter to President Barack Obama by the President’s Panel on cancer.

Cancer continues to shatter and steal the lives of Americans. Approximately 41percent of Americans will be diagnosed of cancer sometime in their lives and about 21percent will possibly die from cancer.

Actually we seem to be losing the war against cancer because we have refused to address to a large extent the environmental causes of cancer. We have stubbornly refused to look at cancer from the angle of modern lifestyles and hazards from medical sources, not to talk of what we garbage in, in the name of food.

Convenience of modern life, from our toiletries, make up, automobile, generators, dry cleaning, airplane travel, potable tap water, cellular communication and electricity which was made to make life easy for all, has considerable impacted our environment and human health and some other unconfirmed effects on our health.

It might interest you to know that mobile source, air emission for trucks, cars, ships and other passenger vehicles and equipments contribute approximately 30 percent of cancer resulting from air pollution, and disinfection of public water supplies with intention of reducing water borne diseases may indirectly be affecting our health and research indicates that long term exposure to disinfection by- products may increase cancer risk.

Do you know that even chemicals used for household pest control can turn to a component of carpet dust leading to health risk for children playing on the floor?

The use of cell phone does not help matters either as this device are used regularly by older and younger ones alike. Though there’s no evidence between the use of cell phone and cancer, however research on cancer and other diseases among long term and heavy users of wireless device is very limited.

Over the past two decades technology like imaging, nuclear medicine examinations including new pharmaceuticals interventions has all made possible diagnosis and treatment of human disease, cancer inclusive,but they also carry some health risks. It is on record that Americans get half of their total radiation exposure from medical imaging and other medical sources, actually medical radiation has nearly doubled over the years.

It might interest you to know that computed tomography (CT) and nuclear medicine tests alone contribute 36 percent of total radiation exposure and 75percent of the medical exposure of the US population.

The worst of it all is medical imaging of children since they have more years of life during which malignancy initiated by medical radiation can set in, and worrisome aspect of it is that many referring physicians, radiologists and the general public are unaware of radiation doses associated with various test.

“Even those who receive multiple scans or other tests that requires radiation may assimilate doses equal to or exceeding that of HIROSHIMA atomic bomb survivors.”

It is widely believed that a single large dose of ionizing radiation and numerous low doses is equal to the body over time.

How doses one feel discovering that pharmaceuticals contribute a considerable source of environmental contamination, drugs of all types find its way into sources of water supply when they are improperly disposed.

Did I hear you ask the health impact of long term exposure to varying mixtures of these compounds. Your guess is as good as mine.

To combat and win the war on cancer, one need considerable and significant lifestyle changes, watch your environment and be careful of all those habits you indulge in and above all watch that thing you garbage in, in the name of food.

Medical ID Theft – The New Threat to Your Privacy, Health, and Finances

Identity theft, an on going threat to everyone’s privacy and finances, has resulted in numerous calamities for hundreds of thousands of citizens. Many safeguards have been instituted to stop its spread but it continues. And now a new ID theft has surfaced which presents even more serious problems. Medical identity theft, the new id theft problem is growing at an alarming rate. Daily 1000’s of accounts of privacy, health and finances improprieties, as a result of medical identity theft, are reported.

Medical identity theft can create life-threatening problem, especially for senior citizens. For this reason, local and federal law makers are considering drafting legislation which will make the criminal punishment for medical id theft far more harsh than current id theft laws. New proposed laws will go beyond just slapping hands and firing employees. New laws are to include significant fines and sentencing the guilty party to substantial jail time. It is important to announce medical id theft will not be tolerated with a stricter message to deter this type of crime.

Like standard id theft, medical identity thieves steal the victims name, insurance information, and Social Security Number and use it without its real owner’s knowledge. Medical ID identity thieves have the potential to endanger not only the victims finances, but their health as well as they utilize the stolen information to get medical services, obtain fraudulent prescriptions, or, more commonly, to apply for credit.

Over the past ten years the economy for personal information has really matured. The institutions which had the most to lose from the negative reports about wide spread id theft, like banks and online merchants started doing a much better job of protecting data.

Today’s identity thieves go where the cap on resistance is the least and where the financial opportunities are the greatest. Consumers’ medical insurance information is their new venue and electronic medical records are the in road they use to take advantage of this new opportunity. Individual medical information is quickly becoming as valuable as their financial information counter part,” according to Scott Mitic, chief executive officer for TrustedID, an identity theft protection company.

According to market research firm Javelin Strategy & Research new report, data theft related to exposure of medical records rose in one year more than 100%, from 3% in 2008 to 7%, or 275,000 cases, last year.

Once in the hands of these crooks, there is no shortage of ways the hijacked medical information can be put to use. In a number of cases, employees with access to this personal information steals patient credit card information and go on shopping spree. Other cases, involve obtaining and falsifying prescriptions for abuse and resell and more seriously, use of a stolen identity to submit bogus claims to insurers and falsify medical records to support those claims.

“In situations where the intention is to defraud the insurance companies, the medical id thieves are usually more sophisticated individuals who are part of a networked effort. But the origin of the information theft usually remains low-tech and originates from person-to-person communication,” Mitic added.

Seniors, who generally use health care services more frequently, and may not be as aware of identity theft risks, have been the most likely victims of medical identity fraud. Their lack of knowledge of this fraud also make them more susceptible to the deceptive persuasion used to obtain their personal information.

A recent Medicare phone scam conducted in several states targeted elderly consumers by pressuring them to divulge personal details on the pretext they were being issued new Medicare cards. An official sounding organization calls on the phone saying they are updating the victims Medicare data information prior to issuing the new card.

One Medicare scheme, reported in the New York Daily News, involved a 72-year-old woman from Grahamsville, NY. She learned she had become the victim of medical ID theft when she began receiving strange insurance bills. The paperwork showed Medicare had been billed, in her name, for a pregnancy test, a prostate exam, semen analysis, and other medical services she had not had performed. Bureaucratic hurdles prevented her from stopping the fraud, despite that she repeatedly called Medicare to alert the agency. At the end of her three-year ordeal with Medicare, the total fraud in her name amounted to close to $50,000.

Consumers most be vigilant to prevent medical ID theft, both proactively and re actively. All information, including medical insurance information, Social Security information, dates of birth and PIN numbers should be treated equally valuable and never shared unless you are thoroughly familiar with the source you are giving it to. It is important that you check your medical benefits statements as diligently as you do your credit card statements. Also be aware you have the right to request an annual disclosure record from their insurer and do so. Medical id theft is growing. In the wrong hands, this information has the potential to endanger not only your finances, but your health.